Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$270,606Cash toward the purchase price.
Closing costs + prepaids$19,183Not just lender fees.
Before credits & paid funds$289,789The complete starting cash picture.
Estimated remaining funds due at closing
$289,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,606.22
Your down payment$270,606.22
Closing costs + prepaids$19,182.95
Total buyer cash needed$289,789.17
Remaining funds due$289,789.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$8,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,991.97
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$961.00
Initial HOA (3 months)$270.99
Prepaid interest, first (1 days)$50.99
Fees + prepaids$19,182.95
Your down payment is the seller’s equity. You take over the $598,394 balance, so the rest of the $869,000 price is paid at closing. A second mortgage can cover part of it. $289,789.17 is due at closing. Uses and sources reconcile at $888,182.95 each. Not a Closing Disclosure.